Sampo Oyj (SAMPO.HE) stock analysis

In our weekly check, Sampo Oyj is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 5, red flags: 4.

About Sampo Oyj

Sampo Oyj is a Financial Services company (Insurance - Diversified) based in Finland, listed on HEL as SAMPO.HE.

What our checks show for SAMPO.HE

Red flags

• The net margin fell by 11 points over 5 years, to 14.3%: the company keeps less of each sale as profit.
• The gross margin fell by 15.9 points, to 82.4%: costs are rising faster than prices.
• The stock has fallen as much as 64% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 3.5 years.

Warning signs

• Analysts expect only about 2% a year of growth in revenue.
• Analysts expect the net margin to shrink by 0.3 points from today's 14.3%.
• Earnings per share fell 5.9% a year over the last 3 years.
• Net profit fell 6.7% a year over the last 3 years.
• Return on capital (ROCE) is only 8.9%.

Strengths

• Revenue grew 15.7% a year over the last 3 years.
• Free cash flow is 12.3% of revenue: cash for dividends, buybacks or growth.
• The price is 14.6 times earnings (P/E), reasonable for its growth.
• A large company: market value $27.38 billion.
• The price moves calmly: 16.5% annual volatility.
• Beta 0.27: the stock usually moves less than the market.

Next earnings report: 2026-11-04

Similar companies

SLHN.SW · AV.L · HBAN.SW · NN.AS · TLX.DE · IAG.TO

Questions

What grade does Sampo Oyj (SAMPO.HE) have?

In our weekly check, Sampo Oyj is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 5, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of SAMPO.HE stock?

This week's biggest flags for Sampo Oyj: Margins falling, Gross margin falling, Deep past fall. In total 9 of 25 checks show a warning or a red flag.

What does Sampo Oyj do?

Sampo Oyj is a Financial Services company (Insurance - Diversified) based in Finland, listed on HEL as SAMPO.HE.

When does Sampo Oyj report earnings next?

The next earnings report is expected on 2026-11-04. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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